SFGTV2: San Francisco Government Television
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Oct 7, 2012
10/12
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SFGTV2
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the different bodies we are about to make appointments to and thank you for your sacrifice, time, and energy. today we get to recognize you. tomorrow, people will start yelling at you. it is part of that process. it is one we cherish no matter what body we're on. i know former mayor willie brown is here. i want to thank him for constantly being a support to all of our commissions and for being here today. i want to recognize each and everyone of you today by asking you to stand and be recognized as i call your commission and name out. for the board of appeals, we have an lazarus. joshua, thank you for being here. for the construction and workforce advisory committee, a body i helped to establish as city administrator, this body is going to be important for us because in our economic recovery we need to work better with our construction companies to make sure everybody has a chance to work in our city. bob alvarado, thank you for being here and part of it. ed riskin, thank you for stepping up again. florence, thank you. harland kelly, our general manager to be. thank you. kent, thank you for
the different bodies we are about to make appointments to and thank you for your sacrifice, time, and energy. today we get to recognize you. tomorrow, people will start yelling at you. it is part of that process. it is one we cherish no matter what body we're on. i know former mayor willie brown is here. i want to thank him for constantly being a support to all of our commissions and for being here today. i want to recognize each and everyone of you today by asking you to stand and be...
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Oct 1, 2012
10/12
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MSNBCW
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in pipes, cement, steel, jobs, energy. we need to get the wheels turning. i'm proud of that. making real things... for real. ...that make a real difference. ♪ stay top of mind with customers? from deals that bring them in with an offer... to social media promotions that turn fans into customers... to events that engage and create buzz... to e-mails that keep loyal customers coming back, our easy-to-use tools will keep you in front of your customers. see what's right for you at constantcontact.com/try. sleep train's inveis ending soon. sale save 10%, 20%, even 35% on a huge selection of simmons and sealy clearance mattresses. get 2 years interest-free financing on tempur-pedic. even get free delivery! sleep train stacks the savings high to keep the prices low. but hurry, the inventory clearance sale is ending soon. superior service, best selection, lowest price, guaranteed. ♪ sleep train ♪ your ticket to a better night's sleep ♪ . >>> it's been almost a year since daisy oliver, not her real name, was snagged in the fbi's operation cross country. >> don't judge a book b
in pipes, cement, steel, jobs, energy. we need to get the wheels turning. i'm proud of that. making real things... for real. ...that make a real difference. ♪ stay top of mind with customers? from deals that bring them in with an offer... to social media promotions that turn fans into customers... to events that engage and create buzz... to e-mails that keep loyal customers coming back, our easy-to-use tools will keep you in front of your customers. see what's right for you at...
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Sep 30, 2012
09/12
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WTTG
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. >> and beauty comes with good energy and this woman is full of good energy. >> and confidence. >> you talked a lot about that. >> exactly. >> you are one of the most grounded people, a lot of confidence. ann, let me turn to you. when it comes to beauty, why do you think it is that some of us feel we have to conform to a standard of beauty? and you are very open about the fact that you don't have to, that beauty is who you are and what you make of it. >> right. well, i think when i was younger, i was very focused on looking like that person or having that woman's legs, and as i've gotten older, i want my appearance to reflect who i am on the inside. and also for me beauty is much about health and nutrition, taking care of myself now versus the quick fix diet. >> and beauty personally as opposed to beauty professionally one and the same? >> for me, yes. >> and i would imagine for all of you very important for you, real quick, to talk about diversity in the book and how beauty transforms and transcends all these different platforms. >> it's not about looking like a barbie doll. these wom
. >> and beauty comes with good energy and this woman is full of good energy. >> and confidence. >> you talked a lot about that. >> exactly. >> you are one of the most grounded people, a lot of confidence. ann, let me turn to you. when it comes to beauty, why do you think it is that some of us feel we have to conform to a standard of beauty? and you are very open about the fact that you don't have to, that beauty is who you are and what you make of it. >>...
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Sep 30, 2012
09/12
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WBAL
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. >> and beauty comes with good energy and this woman is full of good energy. >> and confidence. >> you talked a lot about that. >> exactly. >> you are one of the most grounded people, a lot of confidence. ann, let me turn to you. when it comes to beauty, why do you think it is that some of us feel we have to conform to a standard of beauty? and you are very open about the fact that you don't have to, that beauty is who you are and what you make of it. >> right. well, i think when i was younger, i was very focused on looking like that person or having that woman's legs, and as i've gotten older, i want my appearance to reflect who i am on the inside. and also for me beauty is much about health and nutrition, taking care of myself now versus the quick fix diet. >> and beauty personally as opposed to beauty professionally one and the same? >> for me, yes. >> and i would imagine for all of you very important for you, real quick, to talk about diversity in the book and how beauty transforms and transcends all these different platforms. >> it's not about looking like a barbie doll. these wom
. >> and beauty comes with good energy and this woman is full of good energy. >> and confidence. >> you talked a lot about that. >> exactly. >> you are one of the most grounded people, a lot of confidence. ann, let me turn to you. when it comes to beauty, why do you think it is that some of us feel we have to conform to a standard of beauty? and you are very open about the fact that you don't have to, that beauty is who you are and what you make of it. >>...
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Oct 8, 2012
10/12
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FOXNEWSW
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romney worked in the debate seems like i have energy and ideas the president didn't. jenna: republican strategist mike murphy on. brad woodhouse, democratic national committee. sean spicer republican national committee. they're both campaign communications director. they're made for television. you're shaking your head. why? >> i think it was the joran van der sloot comment? jenna: was that it, brad? joran van der sloot, story? >> i was shaking my head. this notion that the president doesn't want to be reelected is craziest thing i ever heard of. in the analysis, it is funny, not worth to put on paper, if you did i wouldn't use it to wrap fish. it wouldn't be worthy of that. earlier this summer when mitt romney was off the campaign trail for exhaustion. the president was putting in 19 hour days. >> a lot of fund raisers. >> this guy, you know, this guy, is committed to this. he has got the fire in the belly. he is exhibited that every day he has been in office. look, one debate is not going to the determine the outcome of this election. jenna: sean own, that people ma
romney worked in the debate seems like i have energy and ideas the president didn't. jenna: republican strategist mike murphy on. brad woodhouse, democratic national committee. sean spicer republican national committee. they're both campaign communications director. they're made for television. you're shaking your head. why? >> i think it was the joran van der sloot comment? jenna: was that it, brad? joran van der sloot, story? >> i was shaking my head. this notion that the...
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Sep 30, 2012
09/12
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MSNBC
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in fact, over the last five years, no other energy company has invested more in the us than bp. we're working to fuel america for generations to come. today, our commitment to the gulf, and to america, has never been stronger. what do we do when something really wants to be painted? we break out new behr ultra with stain-blocker from the home depot... ...the best selling paint and primer in one that now eliminates stains. so it paints over stained surfaces, scuffed surfaces, just about any surface. what do you say we go where no paint has gone before, and end up some place beautiful. more saving. more doing. that's the power of the home depot. behr ultra. now with advanced stain blocking, only at the home depot, and only $31.98 a gallon. boring. boring. [ jack ] after lauren broke up with me, i went to the citi private pass page and decided to be...not boring. that's how i met marilyn... giada... really good. yes! [ jack ] ...and alicia. ♪ this girl is on fire [ male announcer ] use any citi card to get the benefits of private pass. more concerts, more events, more experiences
in fact, over the last five years, no other energy company has invested more in the us than bp. we're working to fuel america for generations to come. today, our commitment to the gulf, and to america, has never been stronger. what do we do when something really wants to be painted? we break out new behr ultra with stain-blocker from the home depot... ...the best selling paint and primer in one that now eliminates stains. so it paints over stained surfaces, scuffed surfaces, just about any...
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Oct 5, 2012
10/12
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CNNW
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one is for a clean, wedomestic energy future that puts us in control. our abundant natural gas is already saving us money, producing cleaner electricity, putting us to work here in america and supporting wind and solar. though all energy development comes with some risk, we're committed to safely and responsibly producing natural gas. it's not a dream. america's natural gas... putting us in control of our energy future, now. >>> who is the real mitt? there is this mitt romney. >> you have a problem with lug someone to finish speaking and i suggest if you want to become president of the united states, out you got to let both people speak. >> is he the hard right conservative who beat out the republican field to win the gop nomination? or is he more moderate mitt romney? >> when i'm governor and i'm convinced i will be, i'll preserve and protect a woman's right to choose and -- >> more like the romney who ran for governor of massachusetts back in 2002, the supporter of abortion rights? fred bales is the director of boston university state house program, a
one is for a clean, wedomestic energy future that puts us in control. our abundant natural gas is already saving us money, producing cleaner electricity, putting us to work here in america and supporting wind and solar. though all energy development comes with some risk, we're committed to safely and responsibly producing natural gas. it's not a dream. america's natural gas... putting us in control of our energy future, now. >>> who is the real mitt? there is this mitt romney. >>...
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Oct 5, 2012
10/12
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WUSA
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in fact, over the last five years, no other energy company has invested more in the us than bp. we're working to fuel america for generations to come. today, our commitment to the gulf, and to america, has never been stronger. i have a cold, and i took nyquil, but i'm still stubbed up. [ male announcer ] truth is, nyquil doesn't unstuff your nose. what? [ male announcer ] it doesn't have a decongestant. no way. [ male announcer ] sorry. alka-seltzer plus fights your worst cold symptoms plus has a fast-acting decongestant to relieve your stuffy nose. thanks. [ male announcer ] you're welcome. that's the cold truth! [ male announcer ] alka-seltzer plus. ♪ oh what a relief it is! [ male announcer ] try new alka-seltzer plus severe allergy to treat allergy symptoms plus sinus congestion and pain. >>> monaco is a rich person's paradise and said to be one of the countries with trillion of dollars are hiding in secret bank accounts. we paid a visit to this flashy tax haven to find out. >> reporter: benjamin franklin said the only certainty in life is death and taxes but then he hadn'
in fact, over the last five years, no other energy company has invested more in the us than bp. we're working to fuel america for generations to come. today, our commitment to the gulf, and to america, has never been stronger. i have a cold, and i took nyquil, but i'm still stubbed up. [ male announcer ] truth is, nyquil doesn't unstuff your nose. what? [ male announcer ] it doesn't have a decongestant. no way. [ male announcer ] sorry. alka-seltzer plus fights your worst cold symptoms plus has...
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Oct 4, 2012
10/12
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WUSA
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one get us energy independent, north america energy independent that creates about 4 million jobs. number two, open up more trade particularly in latin america. crack down on china if and when they cheat. number three make sure our people have the skills they need to succeed and the best schools in the world. we're far away the that now. number four, get us to a balanced budget. number five champion small business. >> now in our own cbs poll, percentage of people said romney cares about their needs and problems speck 33 points after the debate. frank, i think this is one of the most interesting things. also in romney's opening statement he talked about the person who lost their job that came up to him. the person that approached ann romney and said can you help us? mitt romney said this, i went back to the transcript this morning, the answer is yes, we can help. he said yes we can. mitt romney said yes we can help. how did your focus group respond? >> they noticed it. they saw mitt romney was renksing real problem and it took obama 40 minutes before he told any story and the story
one get us energy independent, north america energy independent that creates about 4 million jobs. number two, open up more trade particularly in latin america. crack down on china if and when they cheat. number three make sure our people have the skills they need to succeed and the best schools in the world. we're far away the that now. number four, get us to a balanced budget. number five champion small business. >> now in our own cbs poll, percentage of people said romney cares about...
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Oct 5, 2012
10/12
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KPIX
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she feeds off the energy generated by thousands of screaming fans. what's that like when that washes over you, the audience response, what's that like? >> just the best. just the best. >> it's like medicine. >> yeah, exactly. >> reporter: roxette fans are so grateful to see fredriksson and roxette back in the spotlight, they often sing along to help her along. ♪ it must have been love, but it's over now ♪ >> so what is it like for you watching marie get back up on the stage like this? >> it's a miracle that she survived and an even bigger miracle that she's still here touring, 19 months. even her doctor said it wasn't possible. and she's doing it and it's just fantastic. >> reporter: unlike most rock tours, roxette isn't out to promote their new album. each night they give fans what they want the early hits reconnecting with old fans through old songs and a new experience. >> we're not out to promote the new album or doing something like that. we try to do a greatest hits show for the fans basically. >> sounds like almost you feel better now afte
she feeds off the energy generated by thousands of screaming fans. what's that like when that washes over you, the audience response, what's that like? >> just the best. just the best. >> it's like medicine. >> yeah, exactly. >> reporter: roxette fans are so grateful to see fredriksson and roxette back in the spotlight, they often sing along to help her along. ♪ it must have been love, but it's over now ♪ >> so what is it like for you watching marie get back up...
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Oct 8, 2012
10/12
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FOXNEWSW
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putting us in control of our energy future, now. patti ann: well another recent debate drew a massive crowd. fox news channel's bill o'reilly facing off with comedian jon stewart. the two rivals going toe-to-toe in a rumble moderated by journalist, e.d. hill. the mood was set from the get-go with a joke about height. >> i can see why obama did badly in the debate. the altitude is really rough up here [laughter] patti ann: the two traded barbs and jokes on everything from iran to the economy. >> we're weeks from a failed state or even worse greece. the way to solve it, is to kill big bird. >> what is gone. adios, sayonara, aloha. it's boring. he's gone. okay. out of there. may have been bushes fault for the first year. maybe two. but not 3 1/2. patti ann: percentage from the proceeds from the soldout event went to charity. bill: see more of that later tonight in prime time. seems like they have a good time together. they have good chemistry from the right and from the left. check out o'reilly later tonight and the good news about tha
putting us in control of our energy future, now. patti ann: well another recent debate drew a massive crowd. fox news channel's bill o'reilly facing off with comedian jon stewart. the two rivals going toe-to-toe in a rumble moderated by journalist, e.d. hill. the mood was set from the get-go with a joke about height. >> i can see why obama did badly in the debate. the altitude is really rough up here [laughter] patti ann: the two traded barbs and jokes on everything from iran to the...
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Oct 7, 2012
10/12
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KNTV
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was happening already going into the debate but there's no question that it gave romney a lot more energy. it's not unprecedented for an incumbent president to lose a debate. people were watching this and romney performed very well. if he can capitalize on the second look there's a lot he can do in terms of selling policies and arguing against the president. however many undecided voters are left will break one way or the other and that's why these debates so important. >> if the debate gave romney the much needed shot in the arm, the president has to be happy with friday's jobs report, the unemployment rate down 8.1% to 7.8%, now the lowest since the president took office. does that help the president at this point or is the economy baked into this election? >> both things are probably true. the point that you made about the lowest level since he took office, that's important. we're already seeing in polling are more optimism among voters about the economy. that all is to the president's benefit but a very weak rae covery. 114,000 jobs is not very robust at all. you still have a very hig
was happening already going into the debate but there's no question that it gave romney a lot more energy. it's not unprecedented for an incumbent president to lose a debate. people were watching this and romney performed very well. if he can capitalize on the second look there's a lot he can do in terms of selling policies and arguing against the president. however many undecided voters are left will break one way or the other and that's why these debates so important. >> if the debate...
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Sep 30, 2012
09/12
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MSNBC
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. ♪ it means cleaner, cheaper american-made energy. but we've got to be careful how we get it. design the wells to be safe. thousands of jobs. use the most advanced technology to protect our water. billions in the economy. at chevron, if we can't do it right, we won't do it at all. we've got to think long term. we've got to think long term. ♪ >> good today to all of you, it's 1:00 in the east, it's 10:00 a.m. in the west. a new reaction today from paul ryan. >> we have had some missteps. but at the end of the day, the choice is really clear. and we're giving people a very clear choice. we have these pro growth solutions for opportunity and upward mobile and a dynamic economy. you've got the president basically promising four more years like the last four years. and here and there. we have not been able to frame that choice clearly. by the end of the day, people are not going to understand exactly what they have got. >> a voluntary campaign senior advisor is seeking to clarify the president's plan even after the currency of the economy. >> the president's not ga qualifiesed. w
. ♪ it means cleaner, cheaper american-made energy. but we've got to be careful how we get it. design the wells to be safe. thousands of jobs. use the most advanced technology to protect our water. billions in the economy. at chevron, if we can't do it right, we won't do it at all. we've got to think long term. we've got to think long term. ♪ >> good today to all of you, it's 1:00 in the east, it's 10:00 a.m. in the west. a new reaction today from paul ryan. >> we have had some...
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Oct 1, 2012
10/12
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CNNW
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for us, it really because they've got cousins home from iraq or they like the president is firm on energy quality or they can stay on their parent's health insurance plan until the age 26. those are the big differences between 2008 and now, and that's what we're hearing all over the country no matter where we go, and it's certainly been inspiring for those of us who have the chance to go to all these states on behalf of the president. >> kal, how do you make an impact here? i mean, people sometimes -- do they look at you and see the movies and think stoner? i mean, how did you get involved in politics? >> it's a very good question. i ask myself that a lot. i am politically an independent. i love the fact that we've got the chance to make all those crazy movies. i talk about this a lot. in 2007 i had a bunch of friends who were really struggling. i had a buddy who i talk about from time to time who i had to make this crazy decision whether he was going to get eyeglasses to see the board or buy his textbooks one semester in community college. i know folks that were discharged under the don'
for us, it really because they've got cousins home from iraq or they like the president is firm on energy quality or they can stay on their parent's health insurance plan until the age 26. those are the big differences between 2008 and now, and that's what we're hearing all over the country no matter where we go, and it's certainly been inspiring for those of us who have the chance to go to all these states on behalf of the president. >> kal, how do you make an impact here? i mean, people...
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Oct 3, 2012
10/12
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CNBC
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one is for a clean, wedomestic energy future that puts us in control. our abundant natural gas is already saving us money, producing cleaner electricity, putting us to work here in america and supporting wind and solar. though all energy development comes with some risk, we're committed to safely and responsibly producing natural gas. it's not a dream. america's natural gas... putting us in control of our energy future, now. >>> welcome back, everybody. the economy obviously front and center this week with the jobs report coming out on friday. our guest host this morning runs a company that has several economic indicators all rolled into one. joining us for the remainder of the show with his take on the markets and what's happening in corporate america is jim tisch, and jim, it's great to have you here onset. we were just talking about how you have a lot of different things that really give you a good idea of what's happening in the economy. diamond offshore, what's happening from an energy perspective, you have the luxury hotels there, the insurance li
one is for a clean, wedomestic energy future that puts us in control. our abundant natural gas is already saving us money, producing cleaner electricity, putting us to work here in america and supporting wind and solar. though all energy development comes with some risk, we're committed to safely and responsibly producing natural gas. it's not a dream. america's natural gas... putting us in control of our energy future, now. >>> welcome back, everybody. the economy obviously front and...
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Oct 2, 2012
10/12
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CNBC
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let's check out the latest news in energy. let's go to sharon with the latest. >> oil prices are unchanged on either side of positive and negative territory here for wti prices as traders digest the data on manufacturing. from china yesterday not so great. u.s. manufacturing data a little bit better. then we have to wait and see what the supply data will hold from the energy department when they report tomorrow and in the american patrols tonight. in terms of natural gas, we saw natural gas rise above the 3.50 level, but fdr capital mark says look for nat gas to get to $4.50 in to 13. they expect that to be the price to incentivize drilling and because of the supply and demand fundamentals. in terms of what we are seeing for the gold price, we are looking at a little bit of a pull-back and profit taking and consolidation after hitting a new high there for the year of 1794 in the previous session. central banks will be the key focus. back to you. >>> sharon epperson there. we are talking off camera about bill actman's appearanc
let's check out the latest news in energy. let's go to sharon with the latest. >> oil prices are unchanged on either side of positive and negative territory here for wti prices as traders digest the data on manufacturing. from china yesterday not so great. u.s. manufacturing data a little bit better. then we have to wait and see what the supply data will hold from the energy department when they report tomorrow and in the american patrols tonight. in terms of natural gas, we saw natural...
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Oct 1, 2012
10/12
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CNBC
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let's check out the latest moves in energy and metals. sharon at the nymex. >> the momentum here definitely in the metals market. i'm standing in the gold pit. gold prices went above $1,794 an ounce. a lot of investors may have looked at the s&p 500's returns, that's decent. but gold up over 10% in the last quarter. silver up over 25% in the last quarter. they want some more of that in the fourth quarter. and we're looking at that here in the metals market. also looking at momentum taking over, the weak sentimental data out of china in terms of the oil price. the oil prices here are a little bit of a bid for oil. the fact that they lowered a mix a little while ago before the open on the weak data out of china on their manufacturing numbers. in terms of the biggest mover here in the commodities space, definitely it is natural gas. natural gas at a ten-month high. natural gas here above 3.40. some are saying that $3 gas is sustainable here even if we don't see the same focus on coal to gas switching. still going to see higher natural gas pr
let's check out the latest moves in energy and metals. sharon at the nymex. >> the momentum here definitely in the metals market. i'm standing in the gold pit. gold prices went above $1,794 an ounce. a lot of investors may have looked at the s&p 500's returns, that's decent. but gold up over 10% in the last quarter. silver up over 25% in the last quarter. they want some more of that in the fourth quarter. and we're looking at that here in the metals market. also looking at momentum...
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Sep 30, 2012
09/12
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MSNBCW
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in pipes, cement, steel, jobs, energy. we need to get the wheels turning. i'm proud of that. making real things... for real. ...that make a real difference. ♪ >>> i'm craig melvin. here's a look at some of the top storying makes news right now. we just learned moments ago that the assault charge we told you about earlier in the broadcast will be dropped against a man who was arrested for assaulting lindsay lohan in a manhattan hotel room. there's a political connection here as well. the man arrested for attacking her worked for republican illinois congressman john shimkus. in a statement a spokesman for the congressman telling us, quote, while no one from congressman shimkus' office has been contacted follows the arrest, he's been an employee in the congressman's washington office. obviously the congressman does not condone his actions. police sources tell "the new york daily news" that lohan and the man got in an argument after he refused to delete cell phone pictures of her. >> also, officials out west are saying carmageddon two will be over by 5:00 a.m. tomorrow morning.
in pipes, cement, steel, jobs, energy. we need to get the wheels turning. i'm proud of that. making real things... for real. ...that make a real difference. ♪ >>> i'm craig melvin. here's a look at some of the top storying makes news right now. we just learned moments ago that the assault charge we told you about earlier in the broadcast will be dropped against a man who was arrested for assaulting lindsay lohan in a manhattan hotel room. there's a political connection here as well....
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Oct 3, 2012
10/12
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FOXNEWS
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let's broaden the world's energy mix. let's go. >> joe biden campaigning very hard for obama. in florida, he told a group of nurses if there are any angels in heaven, they're all nurses. then he said maybe they wouldn't be in heaven if they had had better nurses. [ laughter ] that's where he lost the crowd. >> steve: 'cause he went off prompter. >> brian: right. 28 minutes before the top of the hour. is the obama administration looking to move gitmo detainees to american soil? the federal government plans to buy the thompson correctional center in illinois for just $165 million. >> steve: where is that coming from? >> brian: that's a good question. at one point the prison was considered for housing gitmo detainees. some are outraged, including the ride captain who was on "fox & friends" two hours ago. >> it's another lawless act by our administration to circumvent congress and to go around the american people. we fought this thing two years ago and at that time, this thing was thrown out. now the president is in another lawless, just a lawless regime to move forward, go around
let's broaden the world's energy mix. let's go. >> joe biden campaigning very hard for obama. in florida, he told a group of nurses if there are any angels in heaven, they're all nurses. then he said maybe they wouldn't be in heaven if they had had better nurses. [ laughter ] that's where he lost the crowd. >> steve: 'cause he went off prompter. >> brian: right. 28 minutes before the top of the hour. is the obama administration looking to move gitmo detainees to american soil?...
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Oct 1, 2012
10/12
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CNNW
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best sectors in the third quarter, energy, consumer discretiona discretionary, financials did well, banks, information technology, telecom services. some of that telecom rally is on the iphone. the biggest, most widely held stocks, loog at these. apple up 11%. exxon mobil up 6%. ge up 11% in the quarter. credit the fed. herculean federal reserve stimulus measures have money rushing into stocks. pushing interest rates to historic lows. stock investors, anyone refinancing a mortgage or shopping for a car loan, you're having a great quarter. had a great quarter. savers, you did not. national average interest rate for a one-year cd, .3%. savings account, it's so little i'm not even going to read those numbers. they're so small. >> don't even bother. >> savers are really getting creamed. what's next for stocks? that's what everyone wants to know. >> how high can apple go? >> i don't know. some were disappointed, actually. thought they would have sold more of those iphones. up 64% on the year. what happens next for stock ovrs all? we got to get through the election. some there's a committee of
best sectors in the third quarter, energy, consumer discretiona discretionary, financials did well, banks, information technology, telecom services. some of that telecom rally is on the iphone. the biggest, most widely held stocks, loog at these. apple up 11%. exxon mobil up 6%. ge up 11% in the quarter. credit the fed. herculean federal reserve stimulus measures have money rushing into stocks. pushing interest rates to historic lows. stock investors, anyone refinancing a mortgage or shopping...